BlastPoint's Banking Scorecard
The Peoples State Bank
Designations: ✓ Community bank
Cherryvale, KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +17.8% year over year ($17.4M on the books).
- Delinquency rate 0.34%.
- Return on assets 2.87%.
- Efficiency ratio 49.35% vs a 119.40% peer average.
- Loan-to-deposit ratio 117.67% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.87% above tier average
- + Net Interest Margin 1.68% above tier average
- + Efficiency Ratio 70.04% below tier average
- + Delinquency Rate 1.14% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 43.47% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.5M
+19.4% YoY
-2.7% QoQ
|
-$38.9M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.7% in tier |
| Total Loans ? |
$20.5M
+26.1% YoY
-3.1% QoQ
|
-$14.4M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$17.4M
+17.8% YoY
-3.0% QoQ
|
-$34.2M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.5% in tier |
| Return on Assets ? |
2.87%
-16.2% YoY
-4.9% QoQ
|
+1.87% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 3.5% in tier |
| Net Interest Margin ? |
5.59%
-14.2% YoY
+0.0% QoQ
|
+1.68% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Top 4.3% in tier |
| Efficiency Ratio ? |
49.35%
+5.5% YoY
+4.4% QoQ
|
-70.04% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 8.6% in tier |
| Delinquency Rate ? |
0.34%
-47.9% YoY
-25.8% QoQ
|
-1.14% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
117.67%
+7.0% YoY
-0.1% QoQ
|
+43.47% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.56%
-8.2% YoY
+7.1% QoQ
|
+12.07% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 13.4% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-55.6% YoY
-18.7% QoQ
|
-0.39% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
19.83%
-12.3% YoY
+1.4% QoQ
|
-7.29% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.29%
-12.4% YoY
+102.6% QoQ
|
-1.10% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
82% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
35.6%
-3.2pp YoY +2.4pp QoQ |
+10.9pp | 24.6% | 22.3% | 22.2% | 86% |
| Brokered Deposits |
20.6%
+11.9pp YoY -3.5pp QoQ |
+10.8pp | 9.8% | 8.7% | 8.5% | 84% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.7%
+5.5pp YoY +1.0pp QoQ |
-4.7pp | 13.4% | 12.6% | 12.5% | 45% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
24.3%
-5.3pp YoY +2.0pp QoQ |
-10.7pp | 35.0% | 26.7% | 31.3% | 42% |
| Consumer |
4.2%
-1.6pp YoY -0.2pp QoQ |
-3.5pp | 7.7% | 4.6% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
19.8%
-2.8pp YoY +0.3pp QoQ |
+2.1pp | 17.7% | 12.6% | 12.6% | 84% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
0 YoY 0 QoQ |
-7 | 12 | 70 | 482 | 7% |
| Assets per Employee ($) |
$4.7M
+19.4% YoY -2.7% QoQ |
-$1.5M | $6.2M | $7.1M | $8.8M | 30% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.3pp YoY -0.1pp QoQ |
-0.7pp | 1.0% | 0.4% | 0.4% | 37% |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 12% |
| Allowance Coverage |
3.01x
+73.0% YoY +41.2% QoQ |
-3.40x | 6.41x | 22.44x | 20.23x | 71% |
| Net Charge-off Rate (YTD) |
-0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
-0.3pp YoY -0.9pp QoQ |
+8.1pp | 6.4% | 14.3% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.8%
+0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.6% | 1.7% | 74% |
| Net Income ($, YTD) |
$342,000
-2.0% YoY — QoQ |
+$24K | $317,817 | $3.7M | $40.4M | 57% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.